Kemba Financial Credit Union Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
Kemba Financial Credit Union Inc 2015 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Kemba Financial Credit Union Inc 555 Officenter Pl Gahanna, OH 43230 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 781 |
| Total Mortgage Loan Application Amount | $85,396,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $900,000 |
| Average Applicant Income | $81,666 |
| Highest Applicant Income | $992,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 with Kemba Financial Credit Union Inc. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Kemba Financial Credit Union Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2015 breaks down Kemba Financial Credit Union Inc's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Kemba Financial Credit Union Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by Kemba Financial Credit Union Inc, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Kemba Financial Credit Union Inc's mortgage activity for 2015.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Franklin County Ohio | 443 | $ 45,188,000 | $ 102,000 | $ 81,000 |
| Delaware County Ohio | 72 | $ 11,700,000 | $ 162,000 | $ 113,000 |
| Licking County Ohio | 54 | $ 5,616,000 | $ 104,000 | $ 93,000 |
| Logan County Ohio | 53 | $ 5,094,000 | $ 96,000 | $ 74,000 |
| Fairfield County Ohio | 49 | $ 6,493,000 | $ 132,000 | $ 99,000 |
| Madison County Ohio | 15 | $ 1,797,000 | $ 119,000 | $ 72,000 |
| Union County Ohio | 11 | $ 995,000 | $ 90,000 | $ 94,000 |
| Pickaway County Ohio | 8 | $ 1,032,000 | $ 129,000 | $ 84,000 |
| Morrow County Ohio | 6 | $ 629,000 | $ 104,000 | $ 50,000 |
| Erie County Ohio | 5 | $ 371,000 | $ 74,000 | $ 136,000 |
| Hardin County Ohio | 5 | $ 274,000 | $ 54,000 | $ 53,000 |
| Richland County Ohio | 5 | $ 423,000 | $ 84,000 | $ 112,000 |
| Hocking County Ohio | 4 | $ 463,000 | $ 115,000 | $ 51,000 |
| Wayne County Michigan | 3 | $ 249,000 | $ 83,000 | $ 77,000 |
| Cuyahoga County Ohio | 3 | $ 325,000 | $ 108,000 | $ 63,000 |
| Fayette County Ohio | 3 | $ 278,000 | $ 92,000 | $ 94,000 |
| Hamilton County Ohio | 3 | $ 350,000 | $ 116,000 | $ 55,000 |
| Marion County Ohio | 3 | $ 410,000 | $ 136,000 | $ 137,000 |
| Clark County Ohio | 2 | $ 186,000 | $ 93,000 | $ 70,000 |
| Lorain County Ohio | 2 | $ 112,000 | $ 56,000 | $ 90,000 |
| Lucas County Ohio | 2 | $ 110,000 | $ 55,000 | $ 43,000 |
| Perry County Ohio | 2 | $ 136,000 | $ 68,000 | $ 52,000 |
| Wood County Ohio | 2 | $ 253,000 | $ 126,000 | $ 71,000 |
| Los Angeles County California | 1 | $ 366,000 | $ 366,000 | $ 300,000 |
| Larue County Kentucky | 1 | $ 50,000 | $ 50,000 | $ 130,000 |
| Genesee County Michigan | 1 | $ 185,000 | $ 185,000 | $ 146,000 |
| Hillsdale County Michigan | 1 | $ 127,000 | $ 127,000 | $ 83,000 |
| Iosco County Michigan | 1 | $ 54,000 | $ 54,000 | $ 61,000 |
| Monroe County Michigan | 1 | $ 98,000 | $ 98,000 | $ 126,000 |
| Muskegon County Michigan | 1 | $ 74,000 | $ 74,000 | $ 74,000 |
| Oakland County Michigan | 1 | $ 147,000 | $ 147,000 | $ 95,000 |
| Monroe County New York | 1 | $ 10,000 | $ 10,000 | $ 60,000 |
| Allen County Ohio | 1 | $ 64,000 | $ 64,000 | $ 36,000 |
| Ashtabula County Ohio | 1 | $ 52,000 | $ 52,000 | $ 65,000 |
| Athens County Ohio | 1 | $ 126,000 | $ 126,000 | $ 110,000 |
| Butler County Ohio | 1 | $ 171,000 | $ 171,000 | $ 76,000 |
| Greene County Ohio | 1 | $ 84,000 | $ 84,000 | $ 40,000 |
| Henry County Ohio | 1 | $ 148,000 | $ 148,000 | $ 29,000 |
| Jackson County Ohio | 1 | $ 52,000 | $ 52,000 | $ 98,000 |
| Montgomery County Ohio | 1 | $ 80,000 | $ 80,000 | $ 57,000 |
| Morgan County Ohio | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Muskingum County Ohio | 1 | $ 150,000 | $ 150,000 | $ 64,000 |
| Ottawa County Ohio | 1 | $ 50,000 | $ 50,000 | $ 58,000 |
| Ross County Ohio | 1 | $ 55,000 | $ 55,000 | $ 24,000 |
| Scioto County Ohio | 1 | $ 56,000 | $ 56,000 | $ 37,000 |
| Shelby County Ohio | 1 | $ 140,000 | $ 140,000 | $ 29,000 |
| Tuscarawas County Ohio | 1 | $ 191,000 | $ 191,000 | $ 157,000 |
| Warren County Ohio | 1 | $ 212,000 | $ 212,000 | $ 125,000 |
| Wyandot County Ohio | 1 | $ 120,000 | $ 120,000 | $ 42,000 |
Mortgage Loan Application Detail Totals for Kemba Financial Credit Union Inc in 2015
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 549 | $56,058,000 | $102,000 | $900,000 | $90,000 | $992,000 |
| Home Purchase | 211 | $28,518,000 | $135,000 | $386,000 | $74,000 | $293,000 |
| Home Improvement | 21 | $820,000 | $39,000 | $140,000 | $81,000 | $178,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 463 | $55,778,000 | $120,000 | $386,000 | $87,000 | $490,000 |
| Not Provided | 235 | $20,467,000 | $87,000 | $346,000 | $87,000 | $992,000 |
| Black or African American | 55 | $5,550,000 | $100,000 | $328,000 | $80,000 | $281,000 |
| Hispanic | 12 | $1,081,000 | $90,000 | $222,000 | $57,000 | $102,000 |
| Asian | 7 | $821,000 | $117,000 | $201,000 | $82,000 | $140,000 |
| American Indian or Alaskan Native | 6 | $1,418,000 | $236,000 | $900,000 | $73,000 | $156,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $281,000 | $93,000 | $146,000 | $66,000 | $101,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 760 | $82,886,000 | $109,000 | $900,000 | $86,000 | $992,000 |
| FHA-insured (Federal Housing Administration) | 21 | $2,510,000 | $119,000 | $182,000 | $60,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 430 | $49,795,000 | $115,000 | $900,000 | $89,000 | $992,000 |
| Application Withdrawn By Applicant | 138 | $16,878,000 | $122,000 | $346,000 | $79,000 | $278,000 |
| Application Denied By Financial Institution | 123 | $11,681,000 | $94,000 | $278,000 | $76,000 | $243,000 |
| File Closed For Incompleteness | 65 | $4,993,000 | $76,000 | $225,000 | $96,000 | $490,000 |
| Application Approved But Not Accepted | 25 | $2,049,000 | $81,000 | $177,000 | $87,000 | $180,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 15 | $2,546,000 | $169,000 | $278,000 | $101,000 | $243,000 |
| Credit History | 13 | $1,752,000 | $134,000 | $210,000 | $65,000 | $130,000 |
| Debt-To-Income Ratio | 6 | $811,000 | $135,000 | $256,000 | $54,000 | $141,000 |
| Employment History | 1 | $74,000 | $74,000 | $74,000 | $31,000 | $31,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $71,000 | $71,000 | $71,000 | $35,000 | $35,000 |
| Other | 1 | $102,000 | $102,000 | $102,000 | $76,000 | $76,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Kemba Financial Credit Union Inc's 2015 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Kemba Financial Credit Union Inc's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Ohio, download the full spreadsheet
with aggregated HMDA statistics today.